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Is it true?

MeL2185MeL2185
in Preemies

I have been told if you babies are classified as premature insurance pays 100%..

Just curious if this is so?

TIA!

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Re: Is it true?

  • Cara03Cara03 member
    Not true for us.
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  • Kate621Kate621 member
    I wish....
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  • morganoremorganore
    not for us...i feel like insurance companies aren't that nice
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  • Sweets2005Sweets2005 member
    That would be nice!
    Abigail Noelle, 8.29.09
    Brady Phoenix, 8.29.09
    Claire Zoe, 10.26.10

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  • Leigh71Leigh71
    Not for us.  we have been fighting with our insurance company on lots of things they are not covering for our preemies.....
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  • KellyMichelleKellyMichelle
    If your baby is less than 3 pounds (or somewhere around there) they qualify for SSI while they are in the hospital and that takes care of medical bills.  Once they are released then you have to be below a certain income or the assistance stops.
    Kelly, Mom to Noah 8.27.05 (born at 26 weeks)
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  • ShannonSkyShannonSky member
    I'm assuming you're talking about NICU care? Our insurance covered it...I had a $150 copay for the hospital admission for me for her birth and never saw another bill.
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  • Kate621Kate621 member

    imageKellyMichelle:
    If your baby is less than 3 pounds (or somewhere around there) they qualify for SSI while they are in the hospital and that takes care of medical bills.  Once they are released then you have to be below a certain income or the assistance stops.

    I think that they have to be below 2lbs 3oz to qualify for SSI. Jack recieves this but it is only a $30 flat rate while in the NICU and then based on income once you go home.

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  • swalker23swalker23 member

    Would have been very nice if this was true! But not for us! Nothing was covered for my son.

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  • IrishsapphireIrishsapphire member

    We applied and got K01 Medicaid because Aidan was in the hospital 35 days.  I have yet to have to pay any hospital bills on him.  I have had to make a lot of phone calls to make sure that they reviewed our insurance and had everything correct with our Premera Blue Cross as a primary insurance and K01 Medicaid as a secondary insurance though (they mispelled his name, so I straightened that out in August).

    But we still pay a copay when we go to the pediatrician.  And I am still paying off my obgyn (removing the placenta) and hospital labor and delivery bills. 

    imageimageLilypie - Personal pictureLilypie Premature Baby tickers Lilypie Premature Baby tickers image BFP on 07/18/08. Miscarriage 07/30/08. BFP 3/25/09. Confirmed second miscarriage, no heartbeat, no growth beyond 7 weeks, 5/19/09. TTC again, on baby aspirin, due to value of 23 on Anticardiolipin Antibodies. BFP 11/15/09. Brown spotting, Beta 3735 11/25/09, Beta 5602 11/28/09. Anticardiolipin Antibodies now negative, still on baby asprin. On 100 mg of Prometrium (progesterone) until 10 weeks. Good heartbeat at 1st appt. 12/16/09. Started taking fish oil. Perigestational hemorrhage and red bleeding 12/17/09. 2nd Ultrasound-8 weeks, still a heartbeat 12/17/09. Baby measured 9 weeks, still a heartbeat 12/23/09. Good NT Scan on 1/8/10, heartbeat 164. EDD 7/28/10. TEAM BLUE! Aidan Thomas born on May 26, 2010. Baby #2, BFP 11/27/11, EDD 6/5/12. TEAM PINK! Noelle Elizabeth born 4/30/12. Blessing from God, Blessing from God, Blessing from God, Blessing from God.
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  • lexismom1008lexismom1008 member
    We paid many, many medical bills. If only this was true....
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  • njdcgirlnjdcgirl member

    After a 30 day NICU stay you qualify for institutional medicaid.  That is then used as a secondary insurance as long as he is in the hospital.  We've been "in" for 135 days and counting, and besides a $150 copay, I've seen no bills. 

    Once he is discharged, Medicaid would only continue based on income (we won't qualify) so then I'll just use my primary insurance, and I'm sure the bills/copays will start coming in for all his appointments with doctors and specialists.

    As a pp said, the SSI payment is only $30 per month in the NICU (which you can apply for after 30 days).  I don't know who that is helping...maybe it can get you a dinner or two out!

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  • magdalina.hmagdalina.h member
    I wish!
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  • lemen99lemen99 member
    nope nope nope!
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  • DeutscherDeutscher
    We were blessed to have amazing insurance, I wish that were the case tho!
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  • KaratwinsKaratwins member
    I was just wondering how you go about applying for institutional medicaid?  I called the office for my county and the woman sent out a big book with a medicaid application but it doesn't say on it that it counts for this type and there's nowhere to indicate it.  How did you do it?
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